1. Cash on hand: refers to the cash actually held by enterprises or individuals, including cash and various currencies available for payment, such as foreign currency cash.
2. Futures settlement reserve: refers to the settlement reserve held by enterprises or individuals to pay for futures trading, which is a certain proportion of currency that must be deposited in futures exchanges.
3. Online payment: funds deposited in third-party payment platforms, e-wallets or online banking accounts, including Alipay, WeChat payment and PayPal.
4. Cheques and drafts: refers to the unexpired cheques and drafts held by enterprises or individuals that can be used for payment.
5. marketable securities: including short-term investment instruments, such as treasury bonds, commercial paper and money market funds; Long-term investment instruments such as bonds, stocks and funds. These securities can be traded in the market and have certain liquidity.
6. Bills receivable: refers to bills issued by others owned by enterprises or individuals and promised to be paid within a certain period in the future, such as commercial acceptance bills, in exchange for accounts receivable.
7. Transfer of funds to loans: refers to the bank loans or credit lines of enterprises or individuals, and the funds can be withdrawn and used at any time according to the needs.
8. Other short-term investments: including short-term (usually within one year) investments by enterprises or individuals in other financial products, such as commercial short-term bonds and short-term time deposits.